I am a well placed senior employee in an automobile agency and lead a big team. I was respected for my work ethics until recently when I started getting calls from a debt collector at my work place. He at first called my boss (who is also my father) which in turn gave me a tarnished image with my boss. After persistent trials I reached the person who called my boss.

A recent Supreme Court decision may discourage consumers from commencing lawsuits against debt collectors for violations under the Fair Debt Collection Practices Act (“FDCPA”). Under this new ruling, Plaintiffs that lose FDCPA lawsuits may be liable for the defendant’s costs even if the case was brought in good faith and with no intention of harassing the defendant.

At the beginning of the New Year the Federal Reserve announced that in November of 2008 credit card debt totaled $973.5 billion--a decrease of 3.4 percent from October 2008.

Collection agencies’ active participation in collecting debts from vulnerable U.S. debtors has increased in recent years. These agencies employ illegal means to collect debt from borrowers. With the rising numbers of complaints from the victims of these agencies, the federal government was moved to enact the Fair Debt Collection Practices Act to prevent creditor harassment. According to the FDCPA, debt collectors are forbidden from oppressive and unfair collection practices, using abusive language, threaten